Explore the benefits and features of the Capital One Spark Business Card. Find the perfect card for your business. Click to learn more!
Some of the best rewards-earning opportunities and perks available today are found with Capital One business credit cards. Capital One has appealing credit card alternatives for businesses of all sizes, whether you want to earn travel rewards miles or cash-back. Here, we've examined the advantages and disadvantages of some of the Best Capital One Business Credit Cards Of April 2024
Capital One Spark Cash selected for business April 2024
BEST CAPITAL ONE BUSINESS CARD FOR EARNING CASH-BACK
Capital One Spark Cash Plus
Welcome Bonus
Earn a $1,200 cash bonus
Annual Fee
$150
Regular APR
N/A
Credit Score
Excellent (750 - 850
In our opinion:
This card provides business owners looking for a simple, hassle-free way to earn cashback with significant benefits. It offers a dependable approach to earning rewards on regular company expenses because of its versatility across multiple spending categories. This card guarantees that your spending works for you by offering strong cashback advantages, whether you're investing in food, travel, or office supplies.
Advantages
Every purchase is eligible for a high 2% cash-back rate.
With Capital One Travel, you may earn an infinite 5% bonus on hotel and rental car reservations.
Free Employee card
No charges for overseas transactions
Disadvantages
No initial APR discount
Monthly payment of the entire card balance is required.
Card Information
After spending $30,000 in the first three months, receive a $1,200 cash incentive.
Get 2% cash back for your company on all purchases, no matter how big or what kind of purchase it is.
$150 yearly charge
Employees receive complimentary cards with an unlimited 2% cashback on all transactions.
Refund your annual fee each time you spend $150,000.
For the duration of the account, rewards are perpetual, and you can exchange your cash back for any quantity.
Absence of fees for overseas transactions
BEST HIGH-LIMIT BUSINESS CREDIT CARD BONUS
Venture X Business
Welcome Bonus
Earn 150,000 bonus miles
Annual Fee
$395
Regular APR
N/A
Credit Score
Excellent
In our opinion:
This card is particularly noteworthy for providing outstanding value for people who can afford an annual premium. Its simple rewards system makes it a great travel companion, and it is packed with features. The greatest rewards from this card will surely go to those who can fully utilize its travel-focused features and satisfy the early spending bonus requirements.
Advantages
No set expenditure cap
All purchases are eligible for an unlimited 2 points per dollar (more on select trip purchases)
Outstanding benefits of travel
Employee cards that are free of cost and virtual cards
devoted assistance from corporate representatives
Annual Bonuses
Disadvantages
high yearly cost
Every month, the entire card debt must be paid.
card information
Every dollar you spend on purchases will earn you two miles.
Gain 5 miles for every dollar spent on travel, and 10 miles for lodging and auto rentals.
via the Capital One Travel website
$300 travel credit per year when using Capital One Travel for reservations
Ten thousand bonus miles annually following the first anniversary of membership.
BEST FOR NO ANNUAL FEE TRAVEL REWARDS
Capital One Spark Miles Select for Business
5X or more Reward Rate
Get unlimited 1.5X miles for every dollar spent on other purchases, and 5X miles for every dollar spent on lodging and auto rentals reserved through Capital One Travel.
Welcome Bonus
50,000 miles
Annual Fee
$0
Regular APR
18.49%, 21.49% or 24.49% Variable
Credit Score
Excellent, Good (700 - 749)
In our opinion:
This is a great option for small business owners looking for a straightforward rewards program without shifting categories or spending limitations. This is an affordable business rewards card because it has no annual fee and unlimited 1.5X miles.
Advantages
No fees for international transactions
Get infinite, never-ending miles
Miles can be transferred to other travel partners of Capital One.
Tools for managing businesses, such as quarterly reports
complimentary employee cards
Disadvantages
Initial APR offer not available for debt transfers
high annual percentage rate penalty
card information
Get 1.5 times the points for every dollar spent anywhere, at any time, with no restrictions on the amount or category, and the miles will never expire as long as the account is open.
Spend $4,500 during the first three months of opening your account on purchases to qualify for a one-time bonus of 50,000 miles.
Not a yearly charge
Spend your points on travel-related expenses such as hotels, flights, and packages. Your points can be applied to more than a dozen travel partners.
Instantly use your miles to pay for any travel-related expenses, such as lodging, airfare, and ride-sharing.
Free employee cards and allow them to accrue an endless amount of 1.5X miles for purchases
BEST FOR FLAT-RATE REWARDS (EXCELLENT CREDIT VERSION)
Spark Cash Select from Capital One
Reward Rate of up to 5%
On every transaction, receive 1.5% in cash back. Plus, when you book hotels and hire vehicles via Capital One Travel, you may receive an endless 5% cashback.
Welcome Bonus
Earn $750
Annual Fee
$0
Regular APR
18.49%, 21.49% or 24.49% Variable
Credit Score
Excellent (750 - 850)
In our opinion:
With no annual charge, this is an excellent all-around option for business owners who prioritize simplicity. A welcome bonus is included, and you can earn an unlimited 1.5% cashback on all transactions. An introductory APR offer, nevertheless, is lacking.
Advantages
Get 1.5% in return in cash.
Opportunity to obtain a welcome bonus
No yearly charge
No charges for overseas transactions
Disadvantage
Excellent credit is necessary.
The spending threshold for bonuses is quite high.
card information
On qualified purchases, get an endless 1.5% cash back. Spend $6,000 within three months of opening an account to receive a $750 cash bonus.
Not a yearly charge
BEST FOR FLAT-RATE TRAVEL REWARDS
Capital One Spark Miles for Business
Reward Rate Up to 5X
Earn infinite 5X points per dollar on hotels and rental cars reserved through Capital One Travel and earn unlimited 2X miles on every purchase.
Welcome Bonus
50,000 miles
Annual Fee
$0 intro for the first year; $95 after that
Regular APR
26.24% Variable
Credit Score
Excellent, Good (700 - 749)
In our opinion:
The ease of earning twice as many miles for every dollar spent, without any restrictions or categories to keep track of, is irresistible to time-pressed business owners. That is exactly what this card provides: a substantial welcome bonus and excellent redemption values for travel points.
Advantages
Free cards for employees
Earn twice as many miles as you can on every transaction.
No seat limitations or cutoff dates
Receive two complimentary visits to Plaza Premium Lounges or Capital One Lounges annually.
Disadvantage
Extremely harsh punishment APR
elevated regular APR
Card Information
After you spend $4,500 on purchases during the first three months of creating your account, you will receive a one-time bonus of 50,000 miles.
Earn 2X miles for every dollar spent, anywhere, with no restrictions on categories or caps, and your miles will never expire as long as your account is open.
Utilize miles to pay for qualified travel expenses at over fifteen travel reward programs.
Instantly redeem your points for any travel-related purchases, such as lodging, airfare, and ride-sharing services.
The first year's intro yearly price is $0; subsequent years are $95
Free employee cards with an endless 2X mile earning potential
BEST FOR REWARDS WHILE BUILDING CREDIT
Capital One® Spark® Classic for Business
Reward Rate of Up to 5%
Profit indefinitely Receive 1% cash back on all purchases; if you book hotels and rental vehicles via Capital One Travel, you can receive an infinite 5% cash back.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
30.74% Variable
Credit Score
Average, Fair, Limited
In our opinion:
This card is one of the few options for company owners with fair or poor credit. It has no yearly fees and provides a way to repair credit while receiving 1% cash back on all transactions. To avoid the hefty APR, however, schedule a monthly payment for the entire sum.
Advantages
complimentary employee cards
No fees for international transactions
Fair or restricted credit applicants may be eligible.
Tools for managing corporate expenses
Disadvantages
With no bonus reward categories, the rewards rate is a mere 1%.
Absence of a welcome bonus
no introductory APR deal
elevated APR
Card Information
Get 1% cash back for your company on any purchases made anywhere, at any time, with no restrictions on what categories you can use.
No yearly charge
By making responsible use of this credit card, you can establish and improve your company's credit.
If your card is lost or stolen, there is no fraud liability for illegal charges.
Employees receive complimentary cards with an unlimited 1% cash back on all transactions.
For the duration of the account, rewards are perpetual, and you can exchange your cash back for any quantity.
Absence of fees for overseas transactions